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Western Union fraud reporting routes

Fraud claim, fraud hotline, spoof email, transfer urgency.

Last checkedAug 5, 2026Official website
This independent directory is not affiliated with Western Union. Contacts below are sourced only from verified official pages.

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Exact verified routeChecked 2026-08-05

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Western Union fraud hotline

+1 720 945 9351

File fraud claim or call fraud hotline for the selected country; report to authorities as applicable.

Hours or timing: As soon as possible if transfer has not been paid.
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Source: Western Union - Fraud Awareness / Report Fraud

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7
  • Transfer status

    Route urgency depends on whether transfer has already been paid/deposited.

    Recommended by Western Union
  • Zelle enrollment path

    This determines whether the user should report to bank/CU or Zelle support.

    Required for routing
  • Important dates

    Record event, contact, and transaction dates.

    Recommended by official guidance
  • Amounts involved

    Collect amount and currency for each transaction.

    Recommended by official guidance
  • Email addresses involved

    Record exact addresses and whether sender/recipient/claimed identity.

    Recommended by official guidance
  • Addresses involved

    Record physical addresses and URLs separately.

    Recommended by official guidance
  • Text-message details

    Record sender number, date/time, and platform; preserve the original message.

    Recommended by official guidance
Preserve this evidence nowKeep original records before they are deleted, replaced, or changed7
  • Transfer status and fraud claim confirmation

    Preserve transfer receipt/status and claim confirmation; refund outcome depends on status.

    Keep original/copy
  • Transfer receipt and whether transaction has been received

    Preserve transfer record; if not received, contact Customer Care immediately.

    Keep original/copy
  • Emails and email addresses

    Preserve full messages, headers when available, sender/recipient addresses, and timestamps.

    Keep original and export copy
  • Text messages

    Preserve the conversation, sender number, date/time, and screenshots or export.

    Keep original and export copy
  • Phone numbers and call details

    Preserve call logs and record the number displayed, number called, date/time, and duration.

    Export/copy
  • Names, aliases, URLs, and addresses used

    Record exactly as presented and preserve the source where each identifier appeared.

    Structured record plus source copy
  • All communications with the suspected scammer

    Preserve emails, texts, call logs, chat messages, payment instructions, and contact details.

    Keep original and copy
Time-sensitive notesOfficially published windows or availability conditions1
Western Union transfer refund/cancellation

Refund may depend on whether transfer has been picked up/sent/deposited

Ask transfer status; contact Customer Care/fraud claim immediately.

Other official reporting routesAgencies that may apply depending on the facts11
FBI IC3

Internet crime, cyber-enabled fraud, online scam, business email compromise, crypto-related fraud, or time-sensitive cyber incident.

Does not accept evidence attachments; user must preserve originals.
FTC ReportFraud

Fraud, scam, bad business practice, payment scam, or consumer fraud routing.

No guarantee of individual recovery; route and report preserve record.
CFPB

Consumer financial product/service complaint after contacting company when applicable.

Submit supporting documents; generally include everything because second complaint may not be possible.
USAGov Scam Wizard

User does not know which agency to report to.

External router; not evidence storage.
U.S. Postal Inspection Service

Mail fraud, mail theft, USPS smishing/phishing, identity theft via mail, mail-related scam.

For mail fraud form, mail copies and keep originals.
Local law enforcement / 911

Immediate danger or time-sensitive matter requiring immediate intervention.

Preserve report number and officer/contact details.
FDIC Consumer Response Center

Complaint or assistance involving an FDIC-supervised financial institution.

Submit copies when requested and retain originals.
Federal Reserve Consumer Help

Determine the correct bank regulator or complain about a Federal Reserve-supervised institution.

Retain documents for follow-up; do not place account numbers or SSNs in the free-text narrative.
NCUA Consumer Assistance Center

Complaint or assistance involving a federally insured credit union.

Preserve complaint confirmation, credit-union response, attachments, and proof of written escalation.
IdentityTheft.gov

Identity theft or misuse of personal information requiring an FTC Identity Theft Report and recovery plan.

Download or print the Identity Theft Report and recovery plan immediately; retain copies.
SEC Investor Complaint and Tips

Possible securities-law violation or problem with an investment account or financial professional.

Save the TCR submission number and printable complaint copy; retain all supporting records.
Official sources and verificationEvery public route links back to an independently checked official source2
Western Union - Fraud Awareness / Report FraudFraud claim, hotline selection, spoof email, authorities · Verified in browserWestern Union - Fraud Resource CenterFraud claim review, refund/cancellation notes, spoof email · Verified in browser

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